Search found 272 matches

by pokebowl
Tue Jun 25, 2019 1:47 am
Forum: Investing - Theory, News & General
Topic: Excluding International All Together?
Replies: 50
Views: 2949

Re: Excluding International All Together?

Over the last decade, those equal or overweight in International have lost so much ground vs. 100% US they will likely not break even in their lifetime. Sad, but true. Now if you are a new investor starting today, who knows. If someone did a lump sum into a total U.S market index fund, say VTI a de...
by pokebowl
Fri Jun 21, 2019 9:10 am
Forum: Investing - Theory, News & General
Topic: Home country bias - does it skew US/Int allocation?
Replies: 15
Views: 754

Re: Home country bias - does it skew US/Int allocation?

How does home country bias impact this?
It tends to cause those types of investors to ignore entire markets completely, except in times of out-performance. Buy high, sell low.
by pokebowl
Tue Jun 18, 2019 11:44 am
Forum: Investing - Theory, News & General
Topic: Ukraine Makes Up 43% of Total World Bond?
Replies: 11
Views: 2218

Re: Ukraine Makes Up 43% of Total World Bond?

Appears to be a glitch. Looking at BNDX (Which BNDW pulls from) shows normal allocations across expected countries. I used a live tracker for the ETF though, I didn't use Vanguard's website. :beer
by pokebowl
Tue Jun 18, 2019 11:37 am
Forum: Investing - Theory, News & General
Topic: HEDGEFUNDIE's excellent adventure [risk parity strategy using 3x leveraged ETFs]
Replies: 2199
Views: 161349

Re: HEDGEFUNDIE's excellent adventure [risk parity strategy using 3x leveraged ETFs]

HEDGEFUNDIE wrote:
Tue Jun 18, 2019 11:19 am

20 years from now when my M1 balance hits $10M I’d be happy to invite everyone who has contributed to this thread onboard my yacht. Especially the haters.
Should those of us who remain neutral bring the beer?
by pokebowl
Fri Jun 14, 2019 6:15 pm
Forum: Investing - Theory, News & General
Topic: VTI declares lower dividend for Q2 2019
Replies: 6
Views: 1841

Re: VTI declares lower dividend for Q2 2019

livesoft wrote:
Fri Jun 14, 2019 3:59 pm
Personally, I wish the dividend went to $0.00 because it would save me a lot on taxes.
I second this, if they were able to get the dividends to zero, VTI would be the best hold for larger portfolios, especially those in a high State or Federal bracket.
by pokebowl
Mon Jun 10, 2019 2:38 pm
Forum: Investing - Theory, News & General
Topic: HEDGEFUNDIE's excellent adventure [risk parity strategy using 3x leveraged ETFs]
Replies: 2199
Views: 161349

Re: HEDGEFUNDIE's excellent adventure [risk parity strategy using 3x leveraged ETFs]

While this thread has some good analysis in it. I do notice a lot of new accounts just posting in here and some interesting discussions around total portfolio allocations to this strategy. Reminds me of the crypto mania hype. Perhaps the HODL meme is appropriate here? Regardless of how this strategy...
by pokebowl
Sat Jun 01, 2019 9:03 pm
Forum: Investing - Theory, News & General
Topic: How did you all do in the month of May, 2019
Replies: 125
Views: 9819

Re: How did you all do in the month of May, 2019

Down ~60k, I've responded to this by going meh and performing no changes.
by pokebowl
Wed May 29, 2019 5:25 pm
Forum: Investing - Theory, News & General
Topic: Are people buying VTI today or waiting for a bigger drop in June
Replies: 30
Views: 3564

Re: Are people buying VTI today or waiting for the bigger drop in June

The October 2019 stock market crash was a site to behold.
by pokebowl
Tue May 28, 2019 6:38 pm
Forum: Investing - Theory, News & General
Topic: What goes wrong after index enlightenment
Replies: 41
Views: 5246

Re: What goes wrong after index enlightenment

Your mileage will vary. House Blend, I am curious on what is your current opinion in regards to someone allocating their entire international to taxable investments for the FTC? Knowing what you know now and your experiences, would you continue to hold a majority of international in taxable if just...
by pokebowl
Wed May 15, 2019 11:22 am
Forum: Personal Investments
Topic: VTSAX or VTWAX over the next 35 years?
Replies: 173
Views: 17807

Re: VTSAX or VTWAX over the next 35 years?

I'd go with total world, VTWAX/VT.
by pokebowl
Tue May 14, 2019 4:37 pm
Forum: Investing - Theory, News & General
Topic: What is your U.S./ex-U.S. stock allocation?
Replies: 210
Views: 10690

Re: What is your U.S./ex-U.S. stock allocation?

My allocation floats with the market so I never need to worry about re-balancing bands, etc. As of May 14th, 54% U.S total market and 46% ex-US total market. In past years such as 2017 its been closer to 50/50.
by pokebowl
Mon May 06, 2019 6:32 pm
Forum: Investing - Theory, News & General
Topic: International Exposure — A Fresh Look at Your Stock Portfolio
Replies: 104
Views: 6751

Re: International Exposure — A Fresh Look at Your Stock Portfolio

Any thoughts on all this? Since the source data is from March, can I link another source from around the same time frame that addresses this? Vanguard: Global equity investing white paper February 2019 page 3 Can multinational corporations provide enough exposure? One common question about exposure...
by pokebowl
Mon May 06, 2019 11:43 am
Forum: Investing - Theory, News & General
Topic: Vanguard Lowers 21 ETF Expense Ratios
Replies: 76
Views: 7675

Re: Vanguard Lowers 21 ETF Expense Ratios

Add me to the list of those who took the carrot. Just got off the phone with Vanguard to convert all my accounts' admiral holdings to their ETF equivalents. I left a small portion of the cheapest of the admiral funds in my retirement accounts as a collection point for leftover cash. Hope Vanguard kn...
by pokebowl
Sun Apr 28, 2019 8:58 pm
Forum: Personal Consumer Issues
Topic: Man’s life savings stolen from hijacked cellphone number
Replies: 180
Views: 16512

Re: Man’s life savings stolen from hijacked cellphone number

I never use my phone for financial transactions. Never. I have two home iPads which I use for financial transactions via web page. No passwords stored. I think I will be getting a yubikey to add more security. Well thats great news for those targeting you, it is much easier to steal money this way ...
by pokebowl
Sat Apr 20, 2019 11:20 am
Forum: Investing - Theory, News & General
Topic: Vanguard now supports Yubikey 5 and 5C
Replies: 29
Views: 4526

Re: Vanguard now supports Yubikey 5 and 5C

Google Authenticator is more secure than SMS texts. But it doesn't protect against what I assume many here want. Time of use phishing attacks. While email, SMS and OTP will protect you against a comprised user account password, it will not protect you from common financial phishing techniques alrea...
by pokebowl
Sat Apr 20, 2019 10:44 am
Forum: Investing - Theory, News & General
Topic: Vanguard now supports Yubikey 5 and 5C
Replies: 29
Views: 4526

Re: Vanguard now supports Yubikey 5 and 5C

I know it's still less secure than a Yubikey offering, but I wish Vanguard would also enable Google Authenticator. (and, as other people have said, allow people to disable SMS.) You'd be just replacing one weakened 2FA vector with another one. Google Authenticator at least has branding going for it...
by pokebowl
Fri Apr 19, 2019 2:11 pm
Forum: Investing - Theory, News & General
Topic: Hedging against hyperinflation scenario
Replies: 47
Views: 3175

Re: Hedging against hyperinflation scenario

This seems a strange claim to make, especially since traditional assets have done perfectly fine in every hyperinflation that has even happened in world history. Has the S&P 500 or 10 year Treasuries or EAFE been affected by Venezuela's crisis? Nope. Nor were they affected by Zimbabwe's hyperinflat...
by pokebowl
Fri Apr 19, 2019 6:18 am
Forum: Investing - Theory, News & General
Topic: Hedging against hyperinflation scenario
Replies: 47
Views: 3175

Re: Hedging against hyperinflation scenario

Question: How does one hedge against hyperinflation scenario in his own country, assuming that he holds 50/50, or 3-fund portfolio? Traditional investments will not protect you in a true economic collapse scenario. Which I view a Venezuela-style hyperinflation scenario to be. If you are looking wha...
by pokebowl
Fri Apr 19, 2019 5:58 am
Forum: Investing - Theory, News & General
Topic: How and when did you do it - to get to 1 Million
Replies: 130
Views: 27373

Re: How and when did you do it - to get to 1 Million

There's not a lot of "I got lucky" or "my plan wasn't working, so I changed it" or other means. I got lucky with single stock investments prior to adopting indexing. I still work and save as much as I can in my retirement accounts, but those lucky single stock picks allowed me to wipe off 20 years ...
by pokebowl
Wed Apr 17, 2019 9:07 pm
Forum: Personal Consumer Issues
Topic: Bogleheads privacy warning
Replies: 61
Views: 5526

Re: Bogleheads privacy warning

So, for example, if you post things about your net worth, or the amount of gold coins you have in your home, and someone (say, a hacker) links your name and/or address to your bogleheads ID, then that information is all connected. See "Doxing" . A technique as old as the internet itself, its why th...
by pokebowl
Thu Apr 11, 2019 9:05 pm
Forum: Investing - Theory, News & General
Topic: Crypto bulls are back. Are you getting in?
Replies: 231
Views: 17679

Re: Crypto bulls are back. Are you getting in?

So would you personally allocate a tiny portion of your funds to crypto? I was provided ~$4 in free stock when I tried out Robinhood last year. Sold the stock intentionally at a little loss and threw the remainder into dogecoin. So far, I've made a 45% return! Which equals a tad under $2 at the mom...
by pokebowl
Thu Apr 11, 2019 6:16 am
Forum: Personal Investments
Topic: International under-performance
Replies: 204
Views: 12987

Re: International under-performance

I enjoy the Google search game where I browse past topics on this discussion board during years in which specific markets outperformed and see how that influences the discussions here. Example being 2017 during a huge run up on international :twisted: The tone of that thread is much different then t...
by pokebowl
Sun Apr 07, 2019 12:24 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Ups the Ante in an ETF Race to Zero - Fees are coming down on seven ETFs
Replies: 97
Views: 9294

Re: Vanguard Ups the Ante in an ETF Race to Zero Fees are coming down on seven ETFs, with combined assets of more t

And for VWO/Vanguard EM ETF, one of the funds where the ETF is now 2 bp cheaper (12 bp vs 14 bp) than the Admiral Shares (VEMAX), the spread is generally $0.01 (0.02%). The lower ER could pay for the spread in one year. I've noticed there is a larger deviation in expenses with the international ETF...
by pokebowl
Sat Apr 06, 2019 11:37 am
Forum: Investing - Theory, News & General
Topic: When to add bonds?
Replies: 37
Views: 2799

Re: When to add bonds?

Worst case scenario, you are 100% equities, market is down 40-60% and shortly after you lose your employment unable to find work for longer than your emergency fund can handle forcing you to sell equities at a depressed price, making you question your investing strategy and bylining out of the mark...
by pokebowl
Sat Apr 06, 2019 10:22 am
Forum: Investing - Theory, News & General
Topic: Vanguard Announces Plans to Launch Commodities Fund
Replies: 161
Views: 15067

Re: Vanguard Announces Plans to Launch Commodities Fund

I'll let other more adventurous forum members dip their toes into this first. I currently place commodities on the same shelf as crytocurrencies. Backed by nothing but pure speculation.
by pokebowl
Fri Apr 05, 2019 8:00 pm
Forum: Investing - Theory, News & General
Topic: Would you buy Total World index if it had Admiral Shares?
Replies: 86
Views: 14971

Re: Would you buy Total World index if it had Admiral Shares?

I'll be into it once they have the same number of stocks and expense ratios as the separate funds. Simple as that. Which funds out of curiosity? I mention that, because all the total market type funds Vanguard holds also contain inferior stock allocations then if you just held each of their compone...
by pokebowl
Sun Mar 31, 2019 10:25 am
Forum: Investing - Theory, News & General
Topic: Are you a Boglehead or an IPO Thrill Seeker?
Replies: 1
Views: 323

Re: Are you a Boglehead or an IPO Thrill Seeker?

I mean I sometimes browse wallstreetbets and learn how to turn 5k into -57k, but other than that I keep my investing simple.
by pokebowl
Fri Mar 29, 2019 7:09 pm
Forum: Investing - Theory, News & General
Topic: Diversification Can Improve Retirement Outcomes (SWR) [Very Long Post]
Replies: 64
Views: 4236

Re: Diversification Can Improve Retirement Outcomes (SWR) [Very Long Post]

marcopolo wrote:
Fri Mar 29, 2019 6:47 pm

It would nice if I could get the pic on one of these posts.
Would be interested in seeing it, is the issue just with finding an image host to upload or is it restricted use?
by pokebowl
Tue Mar 26, 2019 6:34 am
Forum: Investing - Theory, News & General
Topic: Pros & Cons of VTWAX vs. VTSAX/VTIAX mix
Replies: 6
Views: 1247

Re: Pros & Cons of VTWAX vs. VTSAX/VTIAX mix

Define large, like 1MM+, 3MM+? Someone can check my math, I am using 2018 tax numbers for VTIAX/VXUS: ~3% dividend and ~8% foreign taxes withheld If you are an investor trying to avoid IRS form 1116: Filing single meant holding more than 125k in international would require this form, for those marr...
by pokebowl
Tue Mar 26, 2019 6:08 am
Forum: Investing - Theory, News & General
Topic: Pros & Cons of VTWAX vs. VTSAX/VTIAX mix
Replies: 6
Views: 1247

Re: Pros & Cons of VTWAX vs. VTSAX/VTIAX mix

The main disadvantage would be in a large taxable account. At certain points you would want to control the ratio of U.S. to Non-U.S. for tax purposes (IRS form 1116) and or tax loss harvesting. In tax deferred space its a must own in my opinion for those who are looking for simplicity and are ok wit...
by pokebowl
Mon Mar 25, 2019 2:04 pm
Forum: Investing - Theory, News & General
Topic: Does the 4% rule work for a 'world' portfolio?
Replies: 60
Views: 4297

Re: Does the 4% rule work for a 'world' portfolio?

This article reviews a 4% IWR for 21 countries over a 115 year span . AA range from 100/0 to 30/70. Taken individually, Besides the U.S., only South Africa, Canada, New Zealand, and Denmark had failure rates less than 5% Draw your own conclusions. My conclusion is the U.S. lucked out during the pre...
by pokebowl
Sun Mar 17, 2019 8:18 pm
Forum: Investing - Theory, News & General
Topic: Why won't Vanguard drop VTI & VOO expense to 0.03?
Replies: 65
Views: 8437

Re: Why won't Vanguard drop VTI & VOO expense to 0.03?

The annual report for Total Stock Market itself says that Vanguard can allocate expenses however it wants, so I'm not sure why this is being debated: It's clear that Vanguard is now competing aggressively on ETF price at the expense of the shareholders of its other classes. For the last six months ...
by pokebowl
Sun Mar 17, 2019 4:47 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Total International (VXUS) is an inferior choice?
Replies: 14
Views: 5926

Re: Vanguard Total International (VXUS) is an inferior choice?

gclancer wrote:
Thu Mar 01, 2018 8:03 pm
One important distinction is that VWO owns China A shares while VXUS owns China H shares.
Starting June of this year, I believe FTSE indexes will begin recategorizing A shares into emerging market status and including them in all indexes going forward.
by pokebowl
Fri Feb 22, 2019 8:30 pm
Forum: Investing - Theory, News & General
Topic: "You're More Internationally Diversified Than You (Probably) Realize"
Replies: 139
Views: 9897

Re: "You're More Internationally Diversified Than You (Probably) Realize"

Bogleheads: Question: If a Total U.S. Stock Market Index Fund ALREADY holds the equivalent of 40% in international stocks, Why bother holding a separate international fund? I will appreciate your thoughts. Thank you and best wishes. Taylor As a Total international Stock Market Index Fund ALREADY ho...
by pokebowl
Sun Feb 17, 2019 8:23 pm
Forum: Personal Investments
Topic: Vanguards recommends investors to increase international (non-US) stock holdings to 40% ?
Replies: 128
Views: 13128

Re: Vanguards recommends investors to increase international (non-US) stock holdings to 40% ?

Ignoring the 1960s-1980s, 2003-2009 and 2017. US has out performed international and thus should be the sole market one invests in. /heavy sarcasm
by pokebowl
Sat Feb 16, 2019 2:48 pm
Forum: Personal Investments
Topic: Why international?
Replies: 144
Views: 10374

Re: Why international?

These threads its better to disagree. Its the only topic half the community here throws their own logic out the window. Past performance is no guarantee of future success, unless its in U.S. stocks. Buy the haystack unless its countries that are not U.S. No one knows nothing, except these select quo...
by pokebowl
Sat Feb 16, 2019 10:43 am
Forum: Investing - Theory, News & General
Topic: Fidelity Foreign Dividends/Reorganizations Fee
Replies: 1
Views: 179

Re: Fidelity Foreign Dividends/Reorganizations Fee

Someone please correct me if I am wrong, however I thought this fee was for Fidelity's brokerage account and for say single foreign stock assets or some other similar applicable foreign asset held in the account. I browsed through my Fidelity 401k plan information and brokerage information prior to ...
by pokebowl
Wed Feb 13, 2019 9:50 pm
Forum: Investing - Theory, News & General
Topic: Globally diversified retirement drawdown portfolio over the last 30 years
Replies: 11
Views: 1081

Re: Globally diversified retirement drawdown portfolio over the last 30 years

I know the answer already but I'll pose the question. This post shows the late 80s until now, what does the previous 30 years prior to even that show for those who invested solely in the US markets at the time? :twisted:

"History doesn't repeat itself, but it does rhyme."
by pokebowl
Thu Feb 07, 2019 8:26 am
Forum: Investing - Theory, News & General
Topic: Vanguard Total World Stock (VTWAX) and All-World ex-US Small Cap Admiral Shares (VFSAX) now available (February 7)
Replies: 181
Views: 21152

Re: Vanguard Total World Stock (VTWAX) and All-World ex-US Small Cap Admiral Shares (VFSAX) available February 7

If only there was a way to merge my VTSAX/VTIAX holdings into VTWAX without triggering capital gains, oh well. Unpopular opinion, but you may be better served keeping those funds separate, at least in taxable depending on how large you foresee your brokerage account growing. Mine is fairly large, a...
by pokebowl
Tue Feb 05, 2019 7:59 pm
Forum: Investing - Theory, News & General
Topic: HEDGEFUNDIE's excellent adventure [risk parity strategy using 3x leveraged ETFs]
Replies: 2199
Views: 161349

Re: HEDGEFUNDIE's excellent adventure [3x leveraged ETF strategy]

Interesting discussion here. I've seen this strategy discussed before, or variations of it discussed but never bothered to put my money up for it, so I will be watching this thread with interest. On a cynical note, MarketTimer also started his sure fire get rich margin strategy at peak market at the...
by pokebowl
Sun Feb 03, 2019 5:02 pm
Forum: Investing - Theory, News & General
Topic: MSCI was forced to add China into its emerging market index...
Replies: 23
Views: 2179

Re: MSCI was forced to add China into its emerging market index...

What's the point of avoiding China? Is their debt bubble any worse than other countries' What you have to keep in mind with China is not debt, but what is your money actually doing in a not so liquid market. The Communist Party floats only a small percentage of a company’s equity on the stock excha...
by pokebowl
Sat Feb 02, 2019 7:21 pm
Forum: Personal Consumer Issues
Topic: Should reliability rankings eliminate Jeep Grand Cherokee?
Replies: 117
Views: 18305

Re: Should reliability rankings eliminate Jeep Grand Cherokee?

Bumping this thread more out of amusement. I am in the market this year for a new car and was looking at older threads for discussion. Time to finally sell my Jeep Cherokee as its hitting close to 300k miles on it. Not sure on the newer Cherokee models, perhaps they are worse, but the '99 model will...
by pokebowl
Sat Jan 26, 2019 6:06 pm
Forum: Investing - Theory, News & General
Topic: Cryptocurrency
Replies: 66
Views: 5681

Re: Cryptocurrency

Why do people still invest in crypto currencies? Is there still potential in this field? I opened a Robinhood (RH) account to try it out, apparently they provide you one random stock share as a "thank you" when you register. I was "gifted" $10 in some unheard of game design company. I intentionally...
by pokebowl
Sat Jan 19, 2019 10:45 am
Forum: Investing - Theory, News & General
Topic: Total Stock & Intnl Stock vs Total World?
Replies: 7
Views: 638

Re: Total Stock & Intnl Stock vs Total World?

The main difference that comes to mind is Total World is its own index not the combined versions of Vanguards Total Stock and Total International as some believe. This means you will see slightly different holdings and differences on the cap weight. Performance wise its splitting hairs, but nice to ...
by pokebowl
Sat Jan 12, 2019 8:22 pm
Forum: Personal Investments
Topic: VMMXX - [Vanguard Prime Money Market Fund vs. online bank]
Replies: 10
Views: 2203

Re: VMMXX -

I was thinking of parking my emergency savings and money I am trying to decide which VG funds to invest in in VMMXX instead of an online bank like Synchrony/CapOne/Ally. The amount is about 100 to 150k. Does this approach seem reasonable? Also, can one readily access and transfer money from VMMXX t...
by pokebowl
Wed Jan 02, 2019 7:42 pm
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 2338
Views: 421385

Re: What are you up YTD? [Year To Date]

WhiteMaxima wrote:
Wed Jan 02, 2019 1:54 pm
Any BH with 100/0 AA? What's your return in 2018?
-11.42%

If you count my 0.00002% allocation to Dogecoin however, its still -11.42%. Thats my entire loss from taxable, IRAs and 401k.
by pokebowl
Tue Jan 01, 2019 5:15 pm
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 2338
Views: 421385

Re: What are you up YTD? [Year To Date]

2018 (As of December 31, 2018): -11.42% in a portfolio of 99.9998% global stocks and 0.00002% Dogecoin. :P
by pokebowl
Mon Dec 31, 2018 11:43 pm
Forum: Personal Investments
Topic: Anyone else in frontier markets?
Replies: 31
Views: 1676

Re: Anyone else in frontier markets?

I looked into frontier markets some years ago. I came to the conclusion its the one area I do not want passive indexing. ETFs such as FM are heavily concentrated into one or two companies or sectors of their target countries and not truly capturing the market they purport to represent (The markets a...
by pokebowl
Mon Dec 31, 2018 1:05 pm
Forum: Investing - Theory, News & General
Topic: International Funds Still Relevant in a Simple Portfolio?
Replies: 74
Views: 5365

Re: International Funds Still Relevant in a Simple Portfolio?

International funds are not relevant when the U.S markets are doing well, however when international markets are doing well versus the US, they matter a great deal. The trick is to know which future decades will benefit international versus the US. My blue telephone box is currently in the shop for ...
by pokebowl
Sat Dec 22, 2018 6:48 am
Forum: Investing - Theory, News & General
Topic: All the "should I be 100% stocks" threads over the last year.
Replies: 185
Views: 15009

Re: All the "should I be 100% stocks" threads over the last year.

That is a pretty big strawman defense you set up. Can you provide sources in those links you posted that all those individuals have given up on 100% stocks? Do investors choose incorrect asset allocations, you bet. The incorrect asset allocation can also be to include bonds or other fixed income too...